Abstract:

This study analyzes the relationship between the adoption of generative artificial intelligence (GenAI) and the financial inclusion of young entrepreneurs in Peru in 2025. It is justified by persistent gaps in access to formal financial services, linked to informality, lack of credit history, and limited digital skills. The study used a quantitative approach with a non-experimental, cross-sectional, correlational design. The sample included 200 entrepreneurs from five regions, selected through stratified sampling, with a 95% confidence level and a 5% margin of error. A validated Likert-scale questionnaire was used, showing high reliability (Cronbach's alpha = 0.93). Since non-normal data distribution was confirmed, Spearman's Rho was applied. Results showed a very high, positive, and statistically significant correlation between GenAI adoption and overall financial inclusion (Rho = 0.891; p < 0.001), as well as its dimensions, namely access (0.895), use (0.901), and quality (0.893). It is concluded that GenAI is strongly associated with financial inclusion, providing relevant evidence for academia and public policy, although it does not imply causality.